Farmers State Bank (FDIC #404): Bank Stress & Real-Estate Credit Exposure

Farmers State Bank (FDIC Cert #404): bank stress 70/100, elevated, STABLE over 7 days; parent F S B PROPERTIES INC.

Farmers State Bank (#404) lends in 4 counties across 1 state; Farmers State Bank (#404) reaches 38 ZIP codes: Oklahoma 4 counties, 38 ZIPs.

Farmers State Bank (#404) largest markets: Pittsburg County, OK (19 branches, 19 ZIPs) (#404), Mcintosh County, OK (11 branches, 11 ZIPs) (#404), Haskell County, OK (7 branches, 7 ZIPs) (#404), Latimer County, OK (7 branches, 7 ZIPs) (#404).

Farmers State Bank (#404) reports $193.9 million in total assets; Farmers State Bank (#404) equity $9.9 million (5.1% of Farmers State Bank (#404) assets); Farmers State Bank (#404) domestic deposits $182.1 million; Farmers State Bank (#404) net income $1.5 million; Farmers State Bank (#404) return on assets 1.59%; Farmers State Bank (#404) return on equity 32.05%; Farmers State Bank (#404) net interest income $4.9 million; Farmers State Bank (#404) call report June 30, 2026.

Farmers State Bank (#404) noncurrent real-estate loans: none reported; Farmers State Bank (#404) net charge-offs on real estate 0.83%.

Farmers State Bank (#404) net interest margin 5.49% against an eight-quarter Farmers State Bank (#404) average of 5.11% (Farmers State Bank (#404) compression -0.38 points); Farmers State Bank (#404) rate-exposure score 40/100, Farmers State Bank (#404) fixed-rate trap 40/100; Farmers State Bank (#404) risk type credit driven; Farmers State Bank (#404) rate regime rates elevated, Farmers State Bank (#404) snapshot October 20, 2026.

Farmers State Bank (#404) stress score moved from 69.7 on June 22, 2026 to 69.5 on October 20, 2026; Farmers State Bank (#404) ranged 69.5 to 69.7 over 117 snapshots.

Farmers State Bank (#404) alerts: 4 counties; top Farmers State Bank (#404) alert scores: Eufaula County, OK 25 (low); Quinton County, OK 25 (low); Red Oak County, OK 25 (low); Stigler County, OK 25 (low).